The wife asked me last month how I could be so stupid. I asked if after 39 years she just now catching on who is the slow one. Yes without insurance you are on the hook but when you owe a million dollars the answer is called bankruptcy. Medical debt is the leading reason for bankruptcy. The loss does not go to the federal budget but it goes to everybody else who uses the hospital. You pay for medicare you are paying for those who would rather buy a new boat over paying for health insurance. You need insurance ro drive a car why shouldn't you have to be financially responsible regarding health care. The reason republicans tell you Obamacare is so terrible is they don't want to pay the Obama care surcharge. I know I pay it. That's what they are really trying to eliminate. I am pretty slow if there is a fault in my logic I'm listening.